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30 Year Term Life Insurance Policy

30 Year Term Insurance Policy Explained

The 30 year term life insurance policy is a very interesting policy and not expensive to boot. Compare with highly rated carriers, there are differences in cost.

This policy would come in handy for young people especially if they have recently been married or intend to get married in the near future.

Young business people also find the 30 year term life insurance policy a real good deal.


What will happen to your family when you die? Would they be provided for? Life Insurance is the solution and we can help. Compare Multiple Quotes from Highly Ranked Carriers and Save up to 70%! Getting your quote is easy and FREE. Click Here For More


30 Year Term Life Insurance Policy

  • Level Death Benefit

    The death benefit of the 30 year term life policy remains level for the duration of the policy. Upon your death the life insurance company will pay the full face value of the policy more often than not in one lump sum.

    This can also be paid in monthly income form. The method of distribution of the policy proceeds is a decision made by the policy owner either at the time of application or any time during the policies life...

    If the income option is selected there are many methods to choose from. You may choose a life income with no certain period. Your beneficiary would receive this income for as long as they lived. Upon that persons death that income would cease.

    You could also choose as an alternative a life income with 20 years certain, for example. The beneficiary would be paid a little less than with the previous option but upon this beneficiaries death a contingent beneficiary would continue receiving the same amount of income.

    If this contingent died then the income would continue to the second contingent beneficiary until the end of the 20 year period. To put it in a nut shell this life income derived from the proceeds of your 30 year term life insurance policy must be paid for a minimum of 20 years.

    If, however the primary beneficiary lives the income will last for as long as s/he lives even if it is to age 100.

    The other ways for the proceeds to be paid out is through the fixed period income option, the fixed amount income option or the interest option. For explanations on these see Life Insurance Settlement Options

You can also add the waiver of premium rider to the 30 year term life insurance policy as well as the accidental death benefit rider.


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